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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,952 | $90,486-86.8% | $78,676-84.8% | $273,972-95.6% |
| Participation rate | 42.9% | 76.5%-33.7pp | 73.6%-30.7pp | 83.0%-40.2pp |
| Annual return | 9.21% | 75.62%-66.4pp | 62.19%-53.0pp | 41.46%-32.2pp |
| Employer contribution / active EE | $1,334 | $3,175-58.0% | $2,850-53.2% | $4,869-72.6% |
| Participant deferral / active EE | $1,867 | $3,901-52.1% | $3,517-46.9% | $5,287-64.7% |
| Admin fee / account holder | $807 | $5,263-84.7% | $4,510-82.1% | $10,133-92.0% |